Health insurance premiums 2027 in Appenzell (AI)For an adult aged 26 or over without accident cover

In 2027, without accident cover, the cheapest offer in Appenzell is KPT (KPTwin.smart - GP with app) at 345.55 CHF a month. The cheapest standard model (free choice of doctor) is ÖKK (Standard model) at 400.75 CHF a month.

For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, monthly premiums run from 345.55 CHF (KPT, KPTwin.smart - GP with app) to 523.05 CHF (Groupe Mutuel – Avenir, Standard model): 115 offers from 23 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 335.75 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (KPT, KPTwin.smart - GP with app), the premium goes from 345.55 CHF a month with the 300 CHF deductible to 226.25 CHF with the 2'500 CHF deductible: 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 400.75 CHF (ÖKK), family doctor / HMO 348.15 CHF (ÖKK), flexible model 358.65 CHF (Helsana), telemedicine 345.55 CHF (KPT).

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 350.30 CHF at KPT (KPTwin.smart - GP with app) gives 345.55 CHF after redistribution.

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.